Safe-to-Spend Calculator

Your bank says one number. Your real number tells you what you can actually spend after deferred revenue, taxes, and commitments.

Your numbers

Your total available bank balance today.
$
Your current monthly recurring revenue from subscriptions.
$
What percentage of your revenue comes from annual or prepaid subscriptions?
30%
Percentage of revenue set aside for taxes. 25% is a common estimate.
25%
Large one-off expenses in the next 90 days: annual contracts, planned hires, equipment.
$
Your monthly operating costs: payroll, tools, rent, infrastructure.
$

Your bank says

$84,000

Your real number

$53,600

That's $30,400 less than your bank balance.

Breakdown

Bank Balance$84,000
−Deferred Revenue($14,400)
−Tax Reserve($2,000)
−Commitments (90d)($8,000)
−Recurring Costs (30d)($6,000)
Safe-to-Spend$53,600

Runway

∞ Infinite

You're profitable — your runway is unlimited as long as revenue holds. Nett tracks the commitments that could change that.

Get this number updated automatically with Stripe.

Start free trial

14 days free. No credit card required.

How it works

Most founders check their bank balance and think that's what they have. It's not. Safe-to-Spend subtracts everything that's already spoken for:

  • Deferred revenue — cash from annual subscriptions you haven't earned yet. Learn why this matters.
  • Tax reserve — money set aside for your next tax bill.
  • Commitments — the verbal yeses and upcoming costs that live in your head, not in any system.
  • Recurring costs — your monthly operating expenses: payroll, tools, infrastructure.

What's left is what you can actually spend. That's your real number. See how this affects your runway.

82% of startup failures stem from cash flow mismanagement.

Get this updated automatically

Connect Stripe. Enter your balance. Know your real number every day.

Start free trial

14 days free. No credit card required.